Cirrus (interbank network)

Worldwide interbank network

Mastercard Cirrus

Operating area| Worldwide (except Russia)
ATMs| 2,000,000+
Founded| 1982; 42 years ago (1982)
Owner| Mastercard Inc.

Mastercard Cirrus is a worldwide interbank network that provides cash to Mastercard cardholders. As a subsidiary of Mastercard Inc., it connects all Mastercard credit, debit, and prepaid cards, as well as ATM cards issued by various banks worldwide bearing the Mastercard / Maestro logo.[1]

Founded in 1982, prior to its acquisition by Mastercard in 1987, Cirrus System, LLC was owned by Bank of Montreal, BayBanks Inc., First Interstate Bancorp, Mellon Bank, NBD Bancorp Inc., and Norwest Corp.[2]

By default, Mastercard and Maestro cards are linked to the Cirrus network, but very often all three logotypes will be shown. Canadian, American and Saudi Arabian ATMs use this network alongside their local networks, and many banks have adopted Cirrus as their international interbank network alongside either a local one, the rival Plus ATM network owned by Visa, or both. In countries such as India and Bangladesh, the Cirrus network also serves as a local interbank network as well as an international one.

## Logos[edit]

Cirrus logo used from 1982 until 1992

Cirrus logo used from 1992 until 1996

Cirrus logo used from 1996 until July 14, 2016

The first logo, advertised from 1982 until 1992, was then changed to match those representing the other subsidiaries of Mastercard, which acquired Cirrus in 1987. The only exception is the colour pattern change. This can also be noticed through the re-branding in 2016, since all the logos of Mastercard, Maestro and Cirrus have been equally modified.

## References[edit]

1. ^ "More About Our Brands". MasterCard. Retrieved January 13, 2017.
2. ^ "Mastercard to Acquire Biggest U.S. Teller System". Chicago Tribune. September 7, 1987. Retrieved February 7, 2017.

## Further reading[edit]

* Gifford, David; Spector, Alfred (August 1985). "The Cirrus Banking Network" (PDF). Communications of the ACM. 28 (8). Association for Computing Machinery: 798–807. doi:10.1145/4021.4022. S2CID 5916192. Retrieved October 4, 2014.

## External links[edit]

* Banks portal

* Mastercard Profile
* Mastercard ATM Locator

* v
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Interbank networks by region

Worldwide|

* CLS
* Cirrus
* Plus
* SWIFT

Africa|

* 123 (Egypt)
* Multicaixa (Angola)

Asia|

* ArCa (Armenia)
* 1LINK (Pakistan)
* MNET
* ALTO (Indonesia)
* ATM Bersama
* Link
* PRIMA/ATM BCA
* Treats/ATM BNI
* atm5 (Singapore)
* EZ-Link
* MEPS+
* NETS
* BancNet (Philippines)
* ENS
* Nationlink
* CHATS (Hong Kong)
* EPS
* FPS
* JETCO
* Dutch Bangla Bank Nexus (Bangladesh)
* Isracard (Israel)
* LankaPay (Sri Lanka)
* SLIPS
* PayNet (Malaysia)
* Saudi Payments Network (Saudi Arabia)
* Shetab Banking System (Iran)
* The Benefit Company (Bahrain)
* UnionPay (China)
* ACS [ja] (Japan)
* BANCS [ja]
* LONGS [ja]
* MICS [ja]
* Yucho
* Euronet BANCS (India)
* FIS Cashnet
* CashTree
* MITR
* NFS
* RuPay

Europe|

* Allied Irish Banks Banklink (Ireland)
* Bancomat (Italy)
* Bancontact (Belgium)
* Currence (Netherlands)
* Girocard (Germany)
* Bankcard-Servicenetz
* Cash Group
* CashPool
* Carte Bleue (France)
* KoronaPay (Russia)
* Mir
* Sbercard
* Link (United Kingdom)
* Vocalink
* Multibanco (Portugal)
* Otto. (Finland)

| International|

* Eufiserv
* Euronet Worldwide
* European Payments Initiative
* Single Euro Payments Area
* TARGET2

|

North America|

* Acculink
* Alberta Regional Network
* Armed Forces Financial Network
* ATH
* CarIFS
* Co-op Solutions
* Discover Network
* Pulse
* TYME
* FIS
* NYCE
* SUM
* fiserv
* Accel / The Exchange
* MoneyPass
* First Data
* STAR
* MAC
* Interac
* NCR
* Cardtronics
* Allpoint
* Visa
* Interlink
* Presto!
* SHAZAM
* Zelle

Oceania|

* EFTPOS

South America|

* Banco24Horas (Brazil)
* Banelco (Argentina)
* A Toda Hora (Colombia)
* Banred (Uruguay)
* GlobalNet (Peru)
* Redbanc (Chile)

* Category

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Credit, charge and debit cards

Major cards|

* American Express
* Mastercard
* Debit
* Maestro
* Visa
* Debit
* Electron
* Cash

Regional and
specialty cards|

* ArCa
* AzeriCard
* Bancomat
* BC Card
* BCA Card
* Cabcharge
* CB
* Dankort
* Discover
* Diners Club
* EFTPOS
* Electronic Payment Services (EPS)
* Elo
* European Payments Initiative (EPI)
* Forbrugsforeningen
* Girocard
* Isracard
* JCB
* J-Debit
* Mir
* MEPS
* Meeza
* NETS
* PayPak
* RuPay
* Troy
* UnionPay
* UATP
* Verve

Defunct cards|

* Access
* Bankcard
* Carte Blanche
* Carte Bleue
* Chipknip
* Choice
* enRoute
* Eurocard
* Everything
* Laser
* Mondex
* Rail Travel Card
* Revolution Card
* Solo
* Switch
* PIN
* Proton
* V Pay

Accounts|

* Payment card number
* Card association
* Credit card balance transfer
* Credit limit
* Installment loan
* Revolving account
* Deposit account
* Current/checking account
* Savings account
* ATM card
* Fees

Debt|

* Cash advance
* Charge-off
* Debt-lag

Interest|

* Grace period
* Introductory rate
* Universal default

Payment|

* Card not present transaction
* Chargeback
* Controlled payment number
* Dispute

Interchange|

* Fee
* Surcharge
* Card scheme

| Interbank networks|

* Cirrus
* Interac
* Pulse
* Plus

|

Security|

* Card security code
* Chargeback fraud
* Credit card fraud
* Credit card hijacking

Technology|

* Automated teller machine
* Contactless payment
* Credit card imprinter
* EMV
* Hardware security module
* Interbank network
* Magnetic stripe card
* Payment terminal
* Personal identification number
* Secure cryptoprocessor
* Smart card

Banking|

* Issuing bank
* Acquiring bank

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